645 NE 77th St Apt 1
Miami, FL 33138 · condos · For Sale · 100 days on market
Asking price$425,000
2 beds 1 baths 730 sqft
Suggested offer$197,239$227,761 above the est. market value of $197,239.
View on Realtor.com →Listed by Oriah Ben-Gal · Edge International Realty
Typecondos
Built1953
Price / sqft$582
Est. value (own analysis)$197,239
Rent estimate (own analysis)$2,250/mo
HOA$1,040/mo
1 / 47
Show every detail
Statusfor_sale
Listed date2026-05-25
Removed date—
MLSMiamiMLS #A12024908
Coordinates25.84619, -80.18355
Address645 NE 77th St Apt 1
CityMiami
StateFL
Zip33138
Listing ID5944793939
Sourceus-real-estate-listings, cached 2026-08-30
ZIP market snapshot (33138)
Typical home value (ZHVI)$806,988
Typical rent (ZORI)$2,367/mo
Zillow Research's ZHVI (home value index) and ZORI (rent index) for this ZIP, as of 2026-07 — free published data, refreshed monthly, no RentCast quota spent. "Typical value/rent" is a smoothed index, not a literal median of active listings.
Underwriting (buy-and-hold, default assumptions)
| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $425,000 |
| Down payment (20.0%) | $85,000 |
| Loan amount | $340,000 |
| Closing costs (5.0%) | $21,250 |
| Total cash to close | $106,250 |
| Income | |
| Rent (comp-derived) | $2,250$27,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,070$24,840 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $673$8,075 |
| Insurance (placeholder 0.8% of price) | $283$3,400 |
| HOA dues | $1,040$12,480 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $113$1,350 |
| Total operating expenses | $2,109$25,305 |
| Net operating income (NOI) | |
| Debt service & reserves | |
| Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing) | |
| CapEx reserve (5.0% of GSR) | $113$1,350 |
| Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%) | $0$0 |
| Cash flow |
Cap rate
Cash-on-cash
DSCR
Rent-to-price (1% rule)
Gross rent multiplier
Operating expense ratio
Break-even occupancy
Comparables
Same ZIP. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| apartment | 2 | 1 | 700 | $2,500 | 2026-08-15 | — | |
| condos | 2 | 2 | 967 | $2,600 | 2026-08-14 | — | |
| condos | 2 | 2 | 894 | $1,950 | 2026-08-08 | — | |
| condos | 2 | 1 | 927 | $3,200 | 2026-07-24 | — | |
| apartment | 2 | 1 | 927 | $2,150 | 2026-07-22 | — | |
| condos | 2 | 1 | 665 | $1,900 | 2026-07-22 | — | |
| apartment | 2 | 1 | 800 | $2,500 | 2026-07-21 | — | |
| apartment | 2 | 1 | 800 | $2,650 | 2026-07-20 | — | |
| apartment | 2 | 2 | 580 | $2,100 | 2026-07-11 | — | |
| apartment | 2 | 2 | 580 | $2,100 | 2026-07-11 | — | |
| apartment | 2 | 2 | 580 | $2,100 | 2026-07-11 | — | |
| apartment | 2 | 2 | 849 | $1,850 | 2026-07-10 | — | |
| condos | 2 | 1 | 754 | $2,000 | 2026-07-03 | — | |
| apartment | 2 | 2 | 720 | $2,000 | 2026-06-25 | — | |
| apartment | 2 | 2 | 580 | $2,250 | 2026-06-24 | — | |
| apartment | 2 | 2 | 580 | $2,250 | 2026-06-24 | — | |
| apartment | 2 | 1 | 891 | $2,250 | 2026-06-24 | — | |
| apartment | 2 | 1 | 750 | $1,700 | 2026-06-17 | — | |
| apartment | 2 | 1 | 810 | $1,850 | 2026-06-12 | — | |
| condos | 2 | 1 | 610 | $2,000 | 2026-06-08 | — | |
| condos | 2 | 1 | 938 | $2,850 | 2026-06-01 | — | |
| condos | 2 | 2 | 967 | $2,325 | 2026-05-29 | — | |
| condos | 2 | 2 | 914 | $2,000 | 2026-05-28 | — | |
| apartment | 2 | 2 | 800 | $2,300 | 2026-05-21 | — | |
| condos | 2 | 1 | 926 | $3,350 | 2026-07-22 | — | |
| condos | 2 | 1 | 855 | $1,800 | 2026-03-12 | — | |
| apartment | 2 | 1 | 600 | $1,800 | 2026-08-25 | — | |
| condos | 2 | 1 | 938 | $2,800 | 2026-08-25 | — | |
| apartment | 2 | 1 | 700 | $2,100 | 2026-02-26 | — | |
| apartment | 2 | 1 | 800 | $1,900 | 2026-01-12 | — | |
| condos | 2 | 2 | 973 | $6,000 | 2026-03-25 | — | |
| apartment | 2 | 2 | 863 | $2,581 | — | — | |
| apartment | 2 | 1 | 690 | $1,850 | 2026-03-12 | — | |
| apartment | 2 | 2 | 783 | $2,105 | — | — | |
| apartment | 2 | 2 | 783 | $2,115 | — | — | |
| apartment | 2 | 2 | 783 | $2,105 | — | — | |
| apartment | 2 | 2 | 783 | $2,075 | — | — | |
| apartment | 2 | 2 | 865 | $2,549 | — | — | |
| apartment | 2 | 2 | 873 | $2,385 | — | — | |
| apartment | 2 | 2 | 863 | $2,586 | — | — | |
| apartment | 2 | 2 | 752 | $1,988 | — | — | |
| apartment | 2 | 2 | 864 | $3,258 | — | — | |
| condos | 2 | 1 | 798 | $2,100 | 2026-08-20 | — | |
| condos | 2 | 2 | 816 | $2,400 | 2026-08-07 | — | |
| apartment | 2 | 2 | 900 | $3,625 | 2026-07-27 | — | |
| apartment | 2 | 1 | 810 | $1,850 | 2025-08-27 | — | |
| apartment | 2 | 1 | 900 | $2,400 | 2025-05-10 | — | |
| apartment | 2 | 2 | 650 | $2,500 | — | — | |
| apartment | 2 | 2 | 783 | $2,105 | — | — | |
| apartment | 2 | 2 | 752 | $2,008 | — | — | |
| apartment | 2 | 2 | 863 | $2,567 | — | — | |
| apartment | 2 | 2 | 863 | $2,611 | — | — | |
| apartment | 2 | 2 | 863 | $2,567 | — | — | |
| apartment | 2 | 2 | 863 | $2,587 | — | — | |
| apartment | 2 | 2 | 934 | $3,194 | — | — | |
| condos | 2 | 1 | 900 | $2,400 | 2026-09-01 | — |
Same ZIP & bedroom count. Closed sales from Realtor.com over the last 12 months, matched to this property's type — real transaction prices, not asking prices. Falls back to Miami-Dade County public records (property appraiser tax roll) when Realtor.com has no sales on file for the area.
| Address | Type | Beds | Baths | Living sqft | Sale price | Sale date |
|---|---|---|---|---|---|---|
| 1200 NE 105th St Apt 27 | condos | 2 | 2 | 960 | $350,000 | 2026-08-27 |
| 8925 NE 4 Avenue Rd Unit 8925 | condos | 2 | 2 | 954 | $250,000 | 2026-08-18 |
| 4000 Towerside Ter Apt 2005 | condos | 2 | 2 | 1,456 | $345,000 | 2026-08-13 |
| 7751 NE Bayshore Ct Apt 7B | condos | 2 | 2 | 1,203 | $385,000 | 2026-07-30 |
| 780 NE 69th St Apt 2201 | condos | 2 | 2 | 1,316 | $575,000 | 2026-07-27 |
| 8950 NE 8th Ave Apt 402 | condos | 2 | 2 | 853 | $257,000 | 2026-07-23 |
| 2000 Towerside Ter Apt 1806 | condos | 2 | 2 | 1,520 | $305,000 | 2026-07-22 |
| 1000 Quayside Ter Apt 1404 | condos | 2 | 2 | 1,312 | $300,000 | 2026-07-17 |
| 1000 Quayside Ter Apt 1402 | condos | 2 | 2 | 1,544 | $235,000 | 2026-07-17 |
| 4000 Towerside Ter Apt 2111 | condos | 2 | 2 | 1,469 | $300,000 | 2026-06-30 |
| 720 NE 62nd St Apt 403 | condos | 2 | 2 | 1,177 | $619,000 | 2026-06-16 |
| 680 NE 64th St Unit APH6 | condos | 2 | 2 | 1,089 | $420,000 | 2026-06-16 |
| 4000 Towerside Ter Apt 1712 | condos | 2 | 2 | 1,469 | $360,000 | 2026-06-11 |
| 777 NE 62nd St Apt C203 | condos | 2 | 1 | 926 | $475,000 | 2026-06-05 |
| 720 NE 69th St Apt 11S | condos | 2 | 3 | 2,957 | $1,500,000 | 2026-05-29 |
| 652 NE 63rd St Apt 403 | condos | 2 | 2 | 945 | $445,000 | 2026-05-28 |
| 2000 Towerside Ter Apt 1407 | condos | 2 | 2 | 1,535 | $315,000 | 2026-05-22 |
| 680 NE 64th St Unit APH2 | condos | 2 | 2 | 1,089 | $495,000 | 2026-05-20 |
| 2000 Towerside Ter Ph 3 | condos | 2 | 2 | 1,312 | $225,000 | 2026-05-12 |
| 2000 Towerside Ter Apt 1905 | condos | 2 | 2 | 1,520 | $285,000 | 2026-05-12 |
| 8950 NE 8th Ave Apt 506 | condos | 2 | 2 | 932 | $259,000 | 2026-05-06 |
| 4000 Towerside Ter Apt 1503 | condos | 2 | 2 | 1,268 | $275,000 | 2026-05-01 |
| 7801 NE 4th Ct Apt 516 | condos | 2 | 2 | 967 | $184,000 | 2026-04-22 |
| 750 NE 64th St Apt B308 | condos | 2 | 2 | 990 | $441,000 | 2026-04-21 |
| 8930 NE 8th Ave Unit 901 | condos | 2 | 2 | 1,045 | $450,000 | 2026-04-08 |
| 1700 NE 105th St Apt 412 | condos | 2 | 2 | 1,154 | $235,000 | 2026-03-27 |
| 2000 Towerside Ter Apt 1512 | condos | 2 | 2 | 1,538 | $500,000 | 2026-03-25 |
| 4000 Towerside Ter Apt 1209 | condos | 2 | 2 | 1,268 | $357,000 | 2026-03-23 |
| 680 NE 64th St Unit APH3 | condos | 2 | 2 | 1,080 | $590,000 | 2026-03-16 |
| 720 NE 69th St Apt 9W | condos | 2 | 3 | 1,763 | $595,000 | 2026-03-13 |
| 1000 Quayside Te Unit 410 | condos | 2 | 2 | 1,312 | $220,000 | 2026-03-10 |
| 4000 Towerside Ter Apt 805 | condos | 2 | 2 | 1,456 | $335,000 | 2026-03-05 |
| 720 NE 62nd St Apt 103 | condos | 2 | 2 | 1,098 | $610,000 | 2026-03-04 |
| 1700 NE 105th St Apt 203 | condos | 2 | 2 | 1,200 | $280,000 | 2026-03-04 |
| 1000 Quayside Ter Ph 9 | condos | 2 | 2 | 1,312 | $255,000 | 2026-02-18 |
| 4000 Towerside Ter Apt 1005 | condos | 2 | 2 | 1,456 | $350,000 | 2026-02-13 |
| 1603 NE 105th St Unit 3-9 | condos | 2 | 3 | 1,507 | $450,000 | 2026-02-12 |
| 2000 Towerside Ter Apt 610 | condos | 2 | 2 | 1,312 | $265,000 | 2026-02-06 |
| 1000 Quayside Ter Ph 5 | condos | 2 | 2 | 1,520 | $435,000 | 2026-01-16 |
| 1000 Quayside Te Unit 509 | condos | 2 | 2 | 1,312 | $220,000 | 2026-01-15 |
| 8713 NE 4th Avenue Rd Unit 8713 | condos | 2 | 2 | 954 | $255,000 | 2025-12-10 |
| 1000 Quayside Ter Apt TS11 | condos | 2 | 2 | 1,538 | $420,000 | 2025-12-09 |
| 7825 NE Bayshore Ct Apt 504 | condos | 2 | 2 | 768 | $310,000 | 2025-12-03 |
| 715 NE 91st St Unit 2A | condos | 2 | 2 | 861 | $285,000 | 2025-12-01 |
| 4000 Towerside Ter Apt 1704 | condos | 2 | 2 | 1,268 | $350,000 | 2025-11-18 |
| 1000 Quayside Ter Apt 1909 | condos | 2 | 2 | 1,312 | $330,000 | 2025-11-03 |
| 2000 Towerside Ter Apt 1111 | condos | 2 | 2 | 1,538 | $260,000 | 2025-10-30 |
| 726 NE 92nd St Apt 12L | condos | 2 | 1 | 894 | $312,000 | 2025-10-23 |
| 4000 Towerside Ter Apt 610 | condos | 2 | 2 | 1,268 | $284,000 | 2025-10-15 |
| 7801 NE 4th Ct Apt 317 | condos | 2 | 3 | 972 | $205,000 | 2025-10-06 |
Same ZIP. Other properties currently for sale nearby — asking prices, not closed sale prices. Not a price comp; see Sold comps for actual transaction history.
| Address | Type | Beds | Baths | Sqft | Asking price | Days on market |
|---|---|---|---|---|---|---|
| 830 NE 72nd St | single_family | 2 | 2 | 1,053 | $1,250,000 | — |
| 4000 Towerside Ter Apt 308 | condos | 2 | 2 | 1,465 | $397,000 | — |
| 780 NE 69th St Apt 1210 | condos | 2 | 2 | 1,316 | $550,000 | — |
| 634 NE 72nd Ter | single_family | 2 | 1 | 1,530 | $1,099,000 | — |
| 780 NE 69th St Apt 808 | condos | 2 | 2 | 1,219 | $419,000 | — |
| 446 NE 64th St | single_family | 2 | 2 | 1,024 | $799,000 | — |
| 801 NE 70th St | single_family | 2 | 1 | 962 | $995,000 | — |
| 6220 NE Miami Pl | single_family | 2 | 1 | 880 | $1,800,000 | — |
10-year hold projection
IRR-7.5%
Equity multiple-0.27x
Total return (10yr)-$79,277
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $437,750 | -$465 | -$28,034 | $336,314 | $101,436 |
| 2 | $450,883 | -$352 | -$27,955 | $332,374 | $118,508 |
| 3 | $464,409 | -$233 | -$27,871 | $328,164 | $136,245 |
| 4 | $478,341 | -$107 | -$27,780 | $323,665 | $154,676 |
| 5 | $492,691 | $26 | -$27,684 | $318,857 | $173,835 |
| 6 | $507,472 | $166 | -$27,580 | $313,719 | $193,754 |
| 7 | $522,696 | $314 | -$27,471 | $308,228 | $214,469 |
| 8 | $538,377 | $470 | -$27,354 | $302,359 | $236,018 |
| 9 | $554,529 | $635 | -$27,229 | $296,088 | $258,440 |
| 10 | $571,164 | $808 | -$27,097 | $289,386 | $281,778 |
Assumes 3.0% annual rent growth, 2.5% expense growth, 3.0% appreciation, and a 6.0% selling cost at exit — all placeholder assumptions, not market-derived.